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With 95% mortgages available (75% in London & SE England), £1,000 cashback on selected deals, plus award-winning service from local people, getting your foot on the property ladder is easier than you think.

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*£1,000 cashback only available on our 2 and 5 year fixed rate First Time Buyer mortgage products up to 95%. Terms and conditions apply.

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£100,000
£20,000
20 Years
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,134 made up of the loan amount plus interest (£107,005), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,394 made up of the loan amount plus interest (£107,005), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,134 made up of the loan amount plus interest (£107,005), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,394 made up of the loan amount plus interest (£107,005), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,134 made up of the loan amount plus interest (£107,005), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,394 made up of the loan amount plus interest (£107,005), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,134 made up of the loan amount plus interest (£107,005), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,394 made up of the loan amount plus interest (£107,005), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £471.46 and 336 monthly payments of £657.69.

The total amount payable would be £233,428 made up of the loan amount plus interest (£107,299), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £471.46 and 336 monthly payments of £657.69.

The total amount payable would be £233,428 made up of the loan amount plus interest (£107,299), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,460 made up of the loan amount plus interest (£107,331), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,720 made up of the loan amount plus interest (£107,331), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,460 made up of the loan amount plus interest (£107,331), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,720 made up of the loan amount plus interest (£107,331), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,460 made up of the loan amount plus interest (£107,331), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,720 made up of the loan amount plus interest (£107,331), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,460 made up of the loan amount plus interest (£107,331), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,720 made up of the loan amount plus interest (£107,331), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.78% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £475.26 and 336 monthly payments of £658.00.

The total amount payable would be £233,623 made up of the loan amount plus interest (£107,494), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.78% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £475.26 and 336 monthly payments of £658.00.

The total amount payable would be £233,623 made up of the loan amount plus interest (£107,494), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,342 made up of the loan amount plus interest (£108,212) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,602 made up of the loan amount plus interest (£108,212), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,342 made up of the loan amount plus interest (£108,212) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,602 made up of the loan amount plus interest (£108,212), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,342 made up of the loan amount plus interest (£108,212) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,602 made up of the loan amount plus interest (£108,212), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,342 made up of the loan amount plus interest (£108,212) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,602 made up of the loan amount plus interest (£108,212), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £539.36 and 237 monthly payments of £634.45.

The total amount payable would be £184,474 made up of the loan amount plus interest (£71,844) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £539.36 and 237 monthly payments of £634.45.

The total amount payable would be £184,734 made up of the loan amount plus interest (£71,844), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £539.36 and 237 monthly payments of £634.45.

The total amount payable would be £184,474 made up of the loan amount plus interest (£71,844) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £539.36 and 237 monthly payments of £634.45.

The total amount payable would be £184,734 made up of the loan amount plus interest (£71,844), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £548.23 and 237 monthly payments of £636.37.

The total amount payable would be £185,488 made up of the loan amount plus interest (£72,858) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £548.23 and 237 monthly payments of £636.37.

The total amount payable would be £185,748 made up of the loan amount plus interest (£72,858), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £548.23 and 237 monthly payments of £636.37.

The total amount payable would be £185,488 made up of the loan amount plus interest (£72,858) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £548.23 and 237 monthly payments of £636.37.

The total amount payable would be £185,748 made up of the loan amount plus interest (£72,858), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £553.00 and 237 monthly payments of £637.38.

The total amount payable would be £186,028 made up of the loan amount plus interest (£73,398) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £553.00 and 237 monthly payments of £637.38.

The total amount payable would be £186,028 made up of the loan amount plus interest (£73,398) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £479.89 and 165 monthly payments of £531.67.

The total amount payable would be £100,813 made up of the loan amount plus interest (£29,433) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £479.89 and 165 monthly payments of £531.67.

The total amount payable would be £101,073 made up of the loan amount plus interest (£29,433), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £479.89 and 165 monthly payments of £531.67.

The total amount payable would be £100,813 made up of the loan amount plus interest (£29,433) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £479.89 and 165 monthly payments of £531.67.

The total amount payable would be £101,073 made up of the loan amount plus interest (£29,433), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £558.99 and 237 monthly payments of £638.64.

The total amount payable would be £186,704 made up of the loan amount plus interest (£74,074) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £558.99 and 237 monthly payments of £638.64.

The total amount payable would be £186,704 made up of the loan amount plus interest (£74,074) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £485.17 and 165 monthly payments of £532.42.

The total amount payable would be £101,079 made up of the loan amount plus interest (£29,699) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £485.17 and 165 monthly payments of £532.42.

The total amount payable would be £101,339 made up of the loan amount plus interest (£29,699), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £485.17 and 165 monthly payments of £532.42.

The total amount payable would be £101,079 made up of the loan amount plus interest (£29,699) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £485.17 and 165 monthly payments of £532.42.

The total amount payable would be £101,339 made up of the loan amount plus interest (£29,699), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.58%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £488.00 and 165 monthly payments of £532.82.

The total amount payable would be £101,221 made up of the loan amount plus interest (£29,841) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.58%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £488.00 and 165 monthly payments of £532.82.

The total amount payable would be £101,221 made up of the loan amount plus interest (£29,841) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £570.47 and 237 monthly payments of £641.01.

The total amount payable would be £187,989 made up of the loan amount plus interest (£75,359) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £570.47 and 237 monthly payments of £641.01.

The total amount payable would be £187,989 made up of the loan amount plus interest (£75,359) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £570.47 and 237 monthly payments of £641.01.

The total amount payable would be £187,989 made up of the loan amount plus interest (£75,359) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £570.47 and 237 monthly payments of £641.01.

The total amount payable would be £187,989 made up of the loan amount plus interest (£75,359) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.64%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.64% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.64% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £571.68 and 237 monthly payments of £641.26.

The total amount payable would be £188,124 made up of the loan amount plus interest (£75,494) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.64%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.64% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.64% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £571.68 and 237 monthly payments of £641.26.

The total amount payable would be £188,124 made up of the loan amount plus interest (£75,494) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.68%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £491.56 and 165 monthly payments of £533.31.

The total amount payable would be £101,398 made up of the loan amount plus interest (£30,018) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.68%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £491.56 and 165 monthly payments of £533.31.

The total amount payable would be £101,398 made up of the loan amount plus interest (£30,018) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.83%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.83% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.83% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £583.31 and 237 monthly payments of £643.58.

The total amount payable would be £189,407 made up of the loan amount plus interest (£76,777) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.83%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.83% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.83% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £583.31 and 237 monthly payments of £643.58.

The total amount payable would be £189,407 made up of the loan amount plus interest (£76,777) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.89%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.89% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.89% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £499.06 and 165 monthly payments of £534.34.

The total amount payable would be £101,771 made up of the loan amount plus interest (£30,391) and other lending fees (£20).

The overall cost for comparison is 4.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.89%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.89% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.89% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £499.06 and 165 monthly payments of £534.34.

The total amount payable would be £101,771 made up of the loan amount plus interest (£30,391) and other lending fees (£20).

The overall cost for comparison is 4.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.36%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 4.36% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 4.36% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £516.11 and 165 monthly payments of £536.59.

The total amount payable would be £102,602 made up of the loan amount plus interest (£31,222) and other lending fees (£20).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.36%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 4.36% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 4.36% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £516.11 and 165 monthly payments of £536.59.

The total amount payable would be £102,602 made up of the loan amount plus interest (£31,222) and other lending fees (£20).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

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FAQs

  • How much can I borrow?

    The amount you can borrow depends on your income, outgoings and individual situation. You can get an idea of what you could borrow with our Mortgage Calculator, but for more detailed figures speak to one of our mortgage and protection advisors.

    If you want to apply for a mortgage with a second person, we will usually take into account your joint incomes.

    Once we have talked to you about a mortgage, we can give you a Mortgage Affordability Certificate, showing how much we will lend you if the valuation of the property is satisfactory.

  • How long does it take to get a mortgage?

    The length of time it will take you to get a mortgage depends on several different factors including your circumstances, the property and legal procedures.

    Once the mortgage application form has been completed, we will send a valuer to prepare a mortgage valuation report on the property to make sure we can lend you what you want. We will also check your income and financial status.

    You will need to instruct a conveyancer to handle the legal details (procedures for buying a house in Scotland are different from the system in England and Wales so it is important to contact a conveyancer at an early stage for guidance).

    While you're doing this, we check your application and obtain references and a valuation. Providing these are satisfactory, we will offer you the mortgage. This usually takes two to three weeks, but we can normally give you an immediate "in principle" decision.

  • What will it cost me?

    Initial costs

    In addition to the deposit you will have other expenses such as conveyancer's fees (including registration fees and possibly stamp duty land tax), valuation fees (unless the mortgage product you've chosen includes a free valuation) and insurance costs. We will go through these with you so that you can work out how much you need to borrow.

    Monthly mortgage payment

    The amount of the monthly mortgage payment depends on:

    • how much you wish to borrow
    • how many years you pay it back over
    • the type of mortgage you choose
    • the current interest rate, and
    • whether or not you decide to pay your house and contents insurance along with your mortgage payment.

    Take all these points into account and with the help of a Mortgage Illustration you should have a good idea of how much your mortgage will costs each month.